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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $515,723 | $100,911+411.1% | $90,440+470.2% | $158,966+224.4% |
| Participation rate | 100.0% | 75.0%+25.0pp | 72.7%+27.3pp | 82.0%+18.0pp |
| Annual return | 4.31% | 1726.62%-1722.3pp | 1294.38%-1290.1pp | 302.95%-298.6pp |
| Employer contribution / active EE | $9,720 | $3,690+163.4% | $3,263+197.9% | $4,762+104.1% |
| Participant deferral / active EE | $17,248 | $4,348+296.6% | $3,964+335.2% | $5,983+188.3% |
| Admin fee / account holder | $5,530 | $6,507-15.0% | $5,615-1.5% | $11,250-50.8% |